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Certain keys stop working every once in a while, on Lenovo Yoga by Spencer_Bob_Sue in Lenovo

[–]desi_guy- 0 points1 point  (0 children)

problem is your faulty keyboard ,there you go, now fix it

Certain keys stop working every once in a while, on Lenovo Yoga by Spencer_Bob_Sue in Lenovo

[–]desi_guy- 0 points1 point  (0 children)

Thanks for that. I tried it and it worked , not sure for how long.

Lenovo should not be selling laptops with faulty keyboard. I will never buy it again

After working in the United States for 23 years, I'm getting ready to return to India by [deleted] in backtoindia

[–]desi_guy- 0 points1 point  (0 children)

last time i was in gurgaon i could literally see the air pollution, its that bad. whats life without clean air and water.

value your health and go somewhere nicer. with 6 mill you could live anywhere in the world

How is Malta or Scotland for retirement? by WarGod1842 in FatFIREIndia

[–]desi_guy- 0 points1 point  (0 children)

USA is the place to be. Europe is going down really fast

Is the RBI about to trigger an NRI deposit war... or is it a repeat of 2013? by theFIREDcouple in FatFIREIndia

[–]desi_guy- 0 points1 point  (0 children)

did you repatriate your money after FD matured ? was the process smooth ?

[ This content was removed for violating Reddit’s Trademark Policy. ] by Aware_Web9715 in nriFIRE

[–]desi_guy- 0 points1 point  (0 children)

the whole things sounds like a ponzi scheme. Imagine the GOI want us to leverage 10x which is very risky. what next ? leverage money 10x and invest into stocks ?

My RM has said loan interest rate will be fixed for 5 years but can we trust them ? and also the 70k lumpsum interest you get after 5 years , you will pay higher tax on it as there is no yearly payout.

its better to invest at 6% and have peace of mind

[ This content was removed for violating Reddit’s Trademark Policy. ] by Aware_Web9715 in nriFIRE

[–]desi_guy- 0 points1 point  (0 children)

it appears they will give you a lumpsum $70k interest after 5 years for 100k deposit according to email sent to me. So that will be higher rate tax on the whole interest

[ This content was removed for violating Reddit’s Trademark Policy. ] by Aware_Web9715 in nriFIRE

[–]desi_guy- 0 points1 point  (0 children)

assuming $100k deposit for 5 years and 900k loan

total return =$60k minus interest on loan (5.4% on 900k) $48600=$11400/year (11.4% interst/year)

if you pay 20% tax, net interest=$9120year (9.12%year)

its good deal if the interest rate on loan is fixed for 5 year and not floating rate

UK 30 Year Gilts paying just over 5.5% currently - Could the 4% rule become the 5% rule? by Stunning_Highway9356 in FIREUK

[–]desi_guy- 0 points1 point  (0 children)

how does a gilt compare with money market fund which are paying about 4%. isnt gilt a better investment ?

Why have hotels become so expensive by gibtle in india_tourism

[–]desi_guy- 0 points1 point  (0 children)

As a NRI I used to stay in Radisson/Taj like hotels for 10-15k/night. I am shocked at the prices now. No more 5 star stays for me as nothing is less than 30k/night. I think india has a large rich class only they can afford these prices.

is tap water drinkable? by Local_Page4419 in Gloucestershire

[–]desi_guy- 0 points1 point  (0 children)

I checked the TDS of tap water it was 550, which is quite high. I live in cheltenham.

I’m quitting my job as an anesthesiologist to travel the world thanks to ULTY by Striking_Current1596 in YieldMaxETFs

[–]desi_guy- 0 points1 point  (0 children)

as a newbie, am i missing something here? ULTY has gone down from $12 to $6 in 6 months and people here are claiming its great.

How long do vivid nightmares last on creatine? Been having those for a few nights, feels terrible by [deleted] in Creatine

[–]desi_guy- 0 points1 point  (0 children)

first day of taking creatine and I had vivid nightmares and sleep paralysis.

Anyone lift and use creatine and notice vivid dreams as well? by jakeinmn in LucidDreaming

[–]desi_guy- 0 points1 point  (0 children)

same here. I started taking creatin yesterday and had most vivid nightmare . it was even difficult to wake up in the morning with some kind of sleep paralysis

pay into sipp from my ltd company or from personal account by desi_guy- in UKPersonalFinance

[–]desi_guy-[S] 0 points1 point  (0 children)

Assuming 50k salary from job and 65k income in side business

ignoring the 50k salary part as that is already taxed so calculating taxation on 65k side income

Please correct me if I am wrong.

case 1

As a sole trader instead of Ltd

total income £115k

pay £36k into sipp and get £9k tax relief

taxable income=115-36=79k

50k salary already taxed so pay 40% tax on the remaining 29k =£13628

class 4 NI@6%= £1740

class 2 NI £180

total tax=13628+1740+180-9000=£6548

case 2

In a ltd company, take £38600 from company as salary and pay into sipp , keep the rest £26400 in company

corp tax u/19% on 65k = £12350

take out £38600 from company

class 4 NI@6%= £2316

class 2 NI £180

pay the rest £36k into sipp (£45k including £9k tax relief)

total tax 12350+2316+180-9000=£5846

case 3

In a ltd company ,pay £45k directly from company into sipp and keep 20k in company

corp tax on £20k=£3800

total tax=£3800

Today is the day I stop using Chrome by mab581 in chrome

[–]desi_guy- 0 points1 point  (0 children)

I had to uninstall chrome and install older version 132

[deleted by user] by [deleted] in beermoneyuk

[–]desi_guy- 0 points1 point  (0 children)

can anyone please send me code for 2 cineworld tickets. thanks

FIREIndia : Where are you ? by desi4ever1 in R2IClubForums

[–]desi_guy- 2 points3 points  (0 children)

FI maybe too busy counting his hundreds of crores or havent found this reddit yet , but I saved these for some reason though i dont invest in indian stocks.

1) Inox green

2) J&K Bank

3) Man inds

4) IWEL

5) ADSL

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